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Although you can purchase insurance at any time, your cover under the National Game Personal Accident Insurance Scheme will not start until the 1 July 2013 (or later if you apply after 1 July 2013). All policies whenever bought will expire on 30 June of each given year and will renew annually. If you purchase your policy after 1 October 2013 your premium will automatically be calculated on a pro rata basis to reflect the time on cover to the 30 June.